Cost of Living Comparison Between Ubud, Bali and Hamamatsu Cost of Living Comparison Between Ubud, Bali and Hamamatsu

Monthly Cost of Living

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $784 in Hamamatsu.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $1,297 in Hamamatsu.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $1,810 in Hamamatsu.

Living in Ubud, Bali is roughly 74% more expensive than in Hamamatsu, driven mainly by Getting Around.

The two cities straddle the global median: Ubud, Bali is 0% above, Hamamatsu is 43% below.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$3.91 ¥610

-12.02%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$42.33 ¥6,605

-14.22%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$5.15 ¥804

10.87%

Cappuccino

$2.67 Rp 47.3K

$3.46 ¥539

-22.83%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$1.75 Rp 31.0K

$1.12 ¥175

56.25%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$0.76 ¥118

14.47%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

$2.61 ¥407

13.03%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

$3.30 ¥515

36.97%

Milk (1 liter)

$1.62 Rp 28.7K

$1.06 ¥165

52.83%

White Bread (500g)

$2.33 Rp 41.3K

$1.73 ¥270

34.68%

Rice (white) (1kg)

$1.11 Rp 19.6K

$3.81 ¥595

-70.87%

Eggs

$2.20 Rp 39.0K

$1.69 ¥263

30.18%

Local Cheese (1kg)

$17.69 Rp 313.3K

$12.23 ¥1,908

44.64%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$6.19 ¥965

-33.76%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

$14.72 ¥2,296

-17.26%

Apples (1kg)

$3.71 Rp 65.6K

$5.71 ¥892

-35.03%

Banana (1kg)

$1.59 Rp 28.1K

$2.87 ¥449

-44.60%

Oranges (1kg)

$2.28 Rp 40.4K

$2.87 ¥448

-20.56%

Tomato (1kg)

$1.95 Rp 34.6K

$4.21 ¥657

-53.68%

Potato (1kg)

$1.91 Rp 33.7K

$2.62 ¥408

-27.10%

Onion (1kg)

$2.33 Rp 41.3K

$2.70 ¥422

-13.70%

Lettuce (1 head)

$1.01 Rp 17.8K

$1.32 ¥206

-23.48%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$0.67 ¥105

-17.91%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$3.81 ¥595

-41.47%

Wine (Bottle)

$23.07 Rp 408.6K

$6.34 ¥989

263.88%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

$1.86 ¥290

30.11%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$2.05 ¥320

46.34%

One-way Ticket (Public Transport)

$0.27 Rp 4,814

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

$51.7 ¥8,062

-82.62%

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$3.25 ¥508

-85.23%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

$2.57 ¥402

-83.27%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

$20.64 ¥3,221

-72.67%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.09 ¥170

-26.61%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$24.9K Rp 441.7M

$21.9K ¥3.4M

13.91%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$31.7K Rp 561.5M

$18.4K ¥2.9M

72.75%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$81.5 Rp 1.4M

$134 ¥20.9K

-39.20%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$6.49 Rp 115.0K

$9.28 ¥1,448

-30.06%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$32.89 ¥5,131

-42.93%

Gym Membership (Monthly)

$56.9 Rp 1.0M

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

$17.35 ¥2,706

7.95%

Cinema Ticket

$4.54 Rp 80.4K

$13.07 ¥2,040

-65.26%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$481 Rp 8.5M

$652 ¥101.7K

-26.25%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

$15.3K ¥2.4M

-62.66%

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

$63.7 ¥9,934

-28.51%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

$32.90 ¥5,133

9.06%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$63.8 ¥9,957

25.96%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$103 ¥16.1K

-23.94%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

$8,047 ¥1.3M

-65.40%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

$5,552 ¥866.2K

-58.76%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$1,614 ¥251.8K

-89.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.12

550.00%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Ubud, Bali: September 14, 2026

Last update for Hamamatsu: September 13, 2026

Cost Breakdown

Hamamatsu pays 861% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $42.00 in Hamamatsu. Groceries flip the comparison at $295 vs $293, with Hamamatsu cheaper for home cooking.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Ubud, Bali vs Hamamatsu: Cost of Living - Frequently Asked Questions

Ubud, Bali and Hamamatsu differ by about 74% in total monthly costs ($1,368 vs $784 including rent). Hamamatsu is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 861% lower in Hamamatsu. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Supermarket bills run roughly 1% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Hamamatsu – a meal for two runs $42.00 versus $36.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $784 in Hamamatsu versus $1,368 in Ubud, Bali, a $2,000 budget is realistic in Hamamatsu but tight or insufficient in Ubud, Bali. The gap between the two cities makes Hamamatsu the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Hamamatsu are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Hamamatsu gentler on the wallet – expenses run 74% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.